The next Advanced Canada Workers Benefit (ACWB) payment is officially arriving on October 10, 2025, providing a financial boost to thousands of low-income working Canadians.
Following a Canada Workers Benefit (CWB) increase in July 2025, the fall ACWB payment will be larger than before — with eligible individuals receiving up to $1,633 (single) or $2,813 (families), and an extra $843 for those with disabilities.
If you’ve been working hard but earning a modest income, this federal benefit ensures that your efforts pay off with real financial support before the end of the year.
$680 CRA One-Time Payment Coming Soon — Check If You’re Eligible for This New Benefit
$250 One-Time GST Relief Payment Coming in 2025: Who Qualifies and When to Expect It
What Is the Advanced Canada Workers Benefit (ACWB)?
The Advanced Canada Workers Benefit allows eligible Canadians to receive up to 50% of their annual Canada Workers Benefit in advance, split into three automatic payments throughout the year.
The Canada Workers Benefit (CWB) is a refundable tax credit designed to help low- and moderate-income individuals and families stay afloat, reduce tax burdens, and make work more rewarding.
You don’t need to reapply — if you qualified for the CWB on your income tax return, the CRA automatically issues your ACWB payments by direct deposit or cheque.
ACWB Payment Dates for 2025–2026
Canadians will receive their ACWB payments on the following dates:
- October 10, 2025
- January 12, 2026
- July 12, 2026
- October 12, 2026
If the date falls on a weekend or federal holiday, payments are sent on the last business day before.
The October 10, 2025 payment is the final ACWB installment for this year, while the next round begins in January 2026.
How Much Will You Receive in October 2025?
Since ACWB represents half of your total CWB entitlement, paid in three installments, each payment is approximately one-third of that advance (16–17% of your total annual benefit).
Here’s what the October 2025 payment could look like for most Canadians:
- Single individuals: $250–$300
- Families: $400–$500
- Individuals with disabilities: additional $120–$150
Your actual payment depends on your net income, family size, province or territory, and whether you qualify for the disability supplement.
Updated CWB Amounts After the 2025 Increase
The July 2025 adjustment boosted benefit levels, meaning many Canadians will receive larger October payments.
Basic Benefit (2024 tax year):
- Single individuals: Up to $1,590 (phases out after $36,749)
- Families: Up to $2,739 (phases out after $48,093)
Disability Supplement:
- Single individuals: Up to $821 (phases out after $42,222)
- Families: Up to $821 per eligible spouse (phases out after $53,565–$59,038 depending on eligibility)
Note: Quebec, Nunavut, and Alberta have slightly different thresholds and maximums.
Who Qualifies for the Canada Workers Benefit (CWB) and ACWB?
To receive the ACWB, you must qualify for the CWB based on your income and employment status.
You are eligible if you:
- Earned income from employment or self-employment in 2024
- Were a resident of Canada for the entire year
- Were 19 or older on December 31 (or lived with a spouse, partner, or dependent)
- Were not a full-time student for more than 13 weeks (unless you had an eligible dependent)
- Were not confined to prison for 90 consecutive days or more
- Did not have tax-exempt income (e.g., diplomat status)
Who Counts as an Eligible Spouse or Dependent?
Eligible Spouse or Common-Law Partner:
- Lived with you on December 31
- Resident of Canada throughout the year
- Not a full-time student for more than 13 weeks (unless with a dependent)
- Not tax-exempt or incarcerated for 90+ days
Eligible Dependent:
- Your child (or your spouse’s) who lived with you
- Under 19 years old and not a spouse or common-law partner
Eligibility for the Disability Supplement
You can receive the CWB disability supplement if:
- You’re eligible for the Disability Tax Credit (DTC)
- You have an approved Form T2201 – Disability Tax Credit Certificate on file with the CRA
- Your income falls below your province’s maximum threshold
This supplement adds up to $821 annually to your benefit, with a portion included in each ACWB installment.
Income Levels That Disqualify You from the ACWB
Below are the approximate income limits where eligibility phases out for 2025:
| Category | Canada (excl. AB, QC, NU) | Quebec | Nunavut | Alberta |
|---|---|---|---|---|
| Family with children | $48,093 | $39,969 | $65,595 | $48,918 |
| Family without children | $48,093 | $50,150 | $65,595 | $48,918 |
| Single with children | $48,093 | $23,916 | $65,595 | $48,918 |
| Single without children | $36,749 | $32,357 | $65,577 | $36,832 |
If your income exceeds these limits, you will no longer qualify for the ACWB.
How to Apply for the ACWB
There is no separate application for the Advanced Canada Workers Benefit.
Simply:
- File your income tax return for 2024.
- Complete Schedule 6 – Canada Workers Benefit, included in most tax software.
- The CRA automatically determines eligibility and issues ACWB payments.
To receive your payment faster, make sure you’re enrolled in direct deposit through CRA My Account.
What to Do If You Don’t Receive Your October 10 Payment
If your ACWB payment hasn’t arrived within 10 business days after October 10, here’s what to check:
- Confirm your eligibility and that your tax return was filed properly.
- Check your CRA My Account for payment updates or notices.
- Verify your direct deposit details are correct.
- If still missing after 10 business days, call the CRA at 1-800-959-8281.
Why the ACWB Matters for Working Canadians
The Advanced Canada Workers Benefit remains one of the most impactful federal supports for working Canadians.
It ensures that low-income earners receive timely help with rising expenses — from groceries to transportation — while encouraging continued participation in the workforce.
With the October 10 payment on the way, this benefit continues to demonstrate Canada’s commitment to rewarding hard work and supporting financial stability across the country.